Full-Time

Senior Tech Generalist

Software Engineer

Capchase

Capchase

51-200 employees

Provides ARR-based working capital for SaaS

No salary listed

Madrid, Spain + 1 more

More locations: Sant Cugat del Vallès, Barcelona, Spain

Remote

Category
Software Engineering (1)
Required Skills
Node.js
TypeScript
Observability
REST APIs
Requirements
  • 5+ years of experience building and shipping production-scale software
  • Proficient in Typescript and Node.js
  • Ability to choose the right tool for the problem rather than sticking to a favorite
  • Strong systems thinking and designing solutions that scale beyond a single use case
  • Pragmatic problem-solver who balances quality, speed, and simplicity
  • Courageous builder who thrives in a remote-first, distributed environment and takes ownership of outcomes
  • Experience building or operating financial-grade systems in a distributed environment (implied by role)
Responsibilities
  • Build and Scale: Design, develop, and maintain end-to-end systems across frontend and backend, supporting both customer-facing workflows and internal backoffice operations
  • Architect for Growth: Evolve our architecture to improve scalability, reliability, and security—making pragmatic tradeoffs that balance speed with long-term maintainability
  • Own Core Financial Systems: Design and maintain the foundational systems that power our platform, including payment orchestration, ledger infrastructure, underwriting engines, reconciliation pipelines, and real-time deal tracking. These systems are business-critical and require strong guarantees around correctness, traceability, and auditability
  • Integrate and Automate: Work with third-party financial APIs (e.g., Taktile, Modern Treasury, Kantox) to automate data ingestion, risk evaluation, and cash movement workflows
  • Raise the Bar: Lead by example through thoughtful system design, high-quality code reviews, and mentorship—helping the team build clean, well-tested, and maintainable systems
  • Operate with Impact: Design systems capable of handling increasing transaction volume and operational complexity, with strong observability and a focus on reliability in a financial domain
Desired Qualifications
  • Experience in Fintech, credit risk modeling, or high-volume payment processing
  • Background as a startup founder or early-stage engineer
  • Familiarity with Kubernetes, BigQuery, or the Google Cloud Platform
  • Passion for tools for thought and computing pioneers like Alan Kay or Douglas Engelbart

Capchase provides flexible funding for fast-growing SaaS companies. It offers working capital based on future recurring revenue, enabling SaaS businesses to accelerate growth without sacrificing annual contracts. Its platform lets customers pay monthly while maintaining annual contract value, improves cash flow, and handles billing and collections for its clients. Funds can be drawn as needed to invest in growth, customer acquisition, and operations, with Capchase’s revenue tied to a client's Annual Recurring Revenue (ARR). This aligns Capchase’s interests with its customers, and the company earns fees on its services as its clients’ ARR grows.

Company Size

51-200

Company Stage

N/A

Total Funding

$1.1B

Headquarters

New York City, New York

Founded

2020

Simplify Jobs

Simplify's Take

What believers are saying

  • Capchase Pay reached #1 on G2 BNPL category with 2,000+ active vendors.[1]
  • Deployed $2.5 billion across 4,000+ SaaS companies since 2020, securing €105M Deutsche Bank facility.[1]
  • Strategic partnerships with Stripe, Barracuda, WeTransact expand addressable market and distribution.

What critics are saying

  • SaaS ARR contraction triggers 25-40% loan defaults on median 9-month repayment terms.[1]
  • Pipe's vendor financing pivot undercuts Vartana with superior algorithms and 20% lower fees.[1]
  • EU AI Act enforcement slows approvals 70%, eroding competitive speed advantage in UK/EU markets.[1]

What makes Capchase unique

  • Capchase combines revenue-based financing with embedded B2B BNPL via Stripe partnership integration.
  • Vartana acquisition enables vendor financing with real-time visibility and automated workflows.
  • 24-48 hour funding decisions using proprietary underwriting algorithms assess contract creditworthiness.

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Your Connections

People at Capchase who can refer or advise you

Benefits

Remote Work Options

Flexible Work Hours

Stock Options

Growth & Insights and Company News

Headcount

6 month growth

-2%

1 year growth

-2%

2 year growth

3%
Barracuda Networks
Oct 8th, 2025
Barracuda and Capchase Launch Barracuda Financial Services to Accelerate Growth and Simplify Security Financing

That's why Barracuda has teamed up with Capchase to launch Barracuda Financial Services, a new financing program that makes investing in security easier, faster and smarter.

PR Newswire
Jun 24th, 2025
Capchase Acquires Vartana for Vendor Financing

Capchase has acquired Vartana to enhance its position as a leader in tech-powered vendor financing for B2B software and hardware companies. This acquisition allows Capchase to offer faster buyer approvals, automated workflows, and real-time visibility, addressing challenges in the traditional vendor financing market. The move aims to provide B2B vendors with improved access to working capital and accelerate sales in a historically manual industry.

FF News
Mar 12th, 2025
Mimo Raises $8.5M, $125M Partnership

Mimo, a financial management platform for SMBs, raised $8.5M in an equity round led by Project A, with Northzone and Seedcamp participating. Mimo also secured a $125M+ embedded funding partnership with Froda to offer UK SMEs flexible working capital. The funds will enhance Mimo's B2B payments solution and expand its team. Mimo's platform, launched in April 2024, has grown 10x in usage, serving hundreds of SMBs and processing hundreds of million GBP.

Fondo
Nov 27th, 2024
FounderJournal | Fondo Announces $7M Oversubscribed Seed Round Led by Money Forward

Fondo Announces $7M Oversubscribed Seed Round Led by Money Forward

PYMNTS
Nov 10th, 2024
Capchase And Wetransact Team To Bolster Saas Cash Flow

WeTransact is teaming with Capchase to let its customers leverage Capchase’s capital and payment services. The combination of WeTransact’s marketplace platform and Capchase’s financing solutions will help B2B software-as-a-service (SaaS) providers strengthen their go-to-market strategy, Capchase said in a recent news release. “In the current economic climate, collecting payments is an ongoing battle for all types of businesses, especially tech startups,” the release said